<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with Wdesk from Workiva-->
<!--Copyright 2022 Workiva-->
<!--r:aee862ee-15ec-40a7-a8d7-580cbc90c1de,g:2465eacb-eb8e-4fd6-9f66-3b92a1bbc43b-->
<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/CONDENSEDCONSOLIDATEDBALANCESHEETSunaudited" xlink:type="simple" xlink:href="uve-20220930.xsd#CONDENSEDCONSOLIDATEDBALANCESHEETSunaudited"/>
  <link:calculationLink xlink:role="http://www.universalinsuranceholdings.com/role/CONDENSEDCONSOLIDATEDBALANCESHEETSunaudited" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_96b3690d-4da5-40dd-83ce-a68414955b0f" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_StockholdersEquity"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockValue_89f1f8eb-e9bb-4759-bd54-a096f8ad8280" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_PreferredStockValue"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_96b3690d-4da5-40dd-83ce-a68414955b0f" xlink:to="loc_us-gaap_PreferredStockValue_89f1f8eb-e9bb-4759-bd54-a096f8ad8280" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockValue_f02c86a1-6074-4380-b33c-c5ac36880c57" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CommonStockValue"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_96b3690d-4da5-40dd-83ce-a68414955b0f" xlink:to="loc_us-gaap_CommonStockValue_f02c86a1-6074-4380-b33c-c5ac36880c57" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockCommonValue_ba1a526a-2391-4e98-94f5-b66f1d3107aa" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_TreasuryStockCommonValue"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_96b3690d-4da5-40dd-83ce-a68414955b0f" xlink:to="loc_us-gaap_TreasuryStockCommonValue_ba1a526a-2391-4e98-94f5-b66f1d3107aa" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdditionalPaidInCapital_898ca61d-ee20-4bf3-ad49-e7a1ae28a265" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AdditionalPaidInCapital"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_96b3690d-4da5-40dd-83ce-a68414955b0f" xlink:to="loc_us-gaap_AdditionalPaidInCapital_898ca61d-ee20-4bf3-ad49-e7a1ae28a265" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax_0ce5be97-7994-424d-a466-4667b474ba77" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_96b3690d-4da5-40dd-83ce-a68414955b0f" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax_0ce5be97-7994-424d-a466-4667b474ba77" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsAccumulatedDeficit_0c743726-99e0-4aba-aafa-647ad0d05b4a" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_RetainedEarningsAccumulatedDeficit"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_96b3690d-4da5-40dd-83ce-a68414955b0f" xlink:to="loc_us-gaap_RetainedEarningsAccumulatedDeficit_0c743726-99e0-4aba-aafa-647ad0d05b4a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Investments_d47d1577-a143-46df-82ee-5b16d459a2f9" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_Investments"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_6a50c614-ff0e-4901-95a5-031e1248b0b8" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Investments_d47d1577-a143-46df-82ee-5b16d459a2f9" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_6a50c614-ff0e-4901-95a5-031e1248b0b8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesFvNi_dc248d4d-453f-412b-9cc7-ddfde644ea27" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_EquitySecuritiesFvNi"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Investments_d47d1577-a143-46df-82ee-5b16d459a2f9" xlink:to="loc_us-gaap_EquitySecuritiesFvNi_dc248d4d-453f-412b-9cc7-ddfde644ea27" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RealEstateInvestmentPropertyNet_a157f42f-1728-4bc8-8f5d-531e5cd2791c" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_RealEstateInvestmentPropertyNet"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Investments_d47d1577-a143-46df-82ee-5b16d459a2f9" xlink:to="loc_us-gaap_RealEstateInvestmentPropertyNet_a157f42f-1728-4bc8-8f5d-531e5cd2791c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_108a4606-e30b-4ca6-8802-643ab39fc58a" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_Liabilities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense_5db10c91-8631-4dad-9d3c-c4a41a70cf26" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_108a4606-e30b-4ca6-8802-643ab39fc58a" xlink:to="loc_us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense_5db10c91-8631-4dad-9d3c-c4a41a70cf26" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnearnedPremiums_f3b9d22a-3b2f-494a-be72-eedf50a9928d" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_UnearnedPremiums"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_108a4606-e30b-4ca6-8802-643ab39fc58a" xlink:to="loc_us-gaap_UnearnedPremiums_f3b9d22a-3b2f-494a-be72-eedf50a9928d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepositContractsLiabilities_d927239d-4b9d-4b4d-999e-9488fd561152" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DepositContractsLiabilities"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_108a4606-e30b-4ca6-8802-643ab39fc58a" xlink:to="loc_us-gaap_DepositContractsLiabilities_d927239d-4b9d-4b4d-999e-9488fd561152" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_BookOverdraft_dd0b5ddc-d174-4677-abb6-e40d01bbeb36" xlink:href="uve-20220930.xsd#uve_BookOverdraft"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_108a4606-e30b-4ca6-8802-643ab39fc58a" xlink:to="loc_uve_BookOverdraft_dd0b5ddc-d174-4677-abb6-e40d01bbeb36" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReinsurancePayable_5053b197-0ff3-4081-9fd4-f8662d04b7a1" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ReinsurancePayable"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_108a4606-e30b-4ca6-8802-643ab39fc58a" xlink:to="loc_us-gaap_ReinsurancePayable_5053b197-0ff3-4081-9fd4-f8662d04b7a1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccruedSalesCommissionCurrentAndNoncurrent_26ab944d-87a0-4b92-8846-441cc626a0ca" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AccruedSalesCommissionCurrentAndNoncurrent"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_108a4606-e30b-4ca6-8802-643ab39fc58a" xlink:to="loc_us-gaap_AccruedSalesCommissionCurrentAndNoncurrent_26ab944d-87a0-4b92-8846-441cc626a0ca" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAccruedLiabilitiesCurrentAndNoncurrent_88ef789d-357b-4100-8272-9908a2abb9cf" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_OtherAccruedLiabilitiesCurrentAndNoncurrent"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_108a4606-e30b-4ca6-8802-643ab39fc58a" xlink:to="loc_us-gaap_OtherAccruedLiabilitiesCurrentAndNoncurrent_88ef789d-357b-4100-8272-9908a2abb9cf" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebt_71dedb7f-d695-4501-9b35-8a6c2f7b701f" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_LongTermDebt"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_108a4606-e30b-4ca6-8802-643ab39fc58a" xlink:to="loc_us-gaap_LongTermDebt_71dedb7f-d695-4501-9b35-8a6c2f7b701f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquity_ca5e36ed-0b53-456f-b640-e3d8c4d767b4" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_LiabilitiesAndStockholdersEquity"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_0e2d82d9-78db-431b-ac0d-2f5d1dd41150" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_Liabilities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_ca5e36ed-0b53-456f-b640-e3d8c4d767b4" xlink:to="loc_us-gaap_Liabilities_0e2d82d9-78db-431b-ac0d-2f5d1dd41150" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingencies_de35c9ec-9fca-431b-a540-756e846b606b" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CommitmentsAndContingencies"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_ca5e36ed-0b53-456f-b640-e3d8c4d767b4" xlink:to="loc_us-gaap_CommitmentsAndContingencies_de35c9ec-9fca-431b-a540-756e846b606b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_7ada8e3a-58a1-4ef0-b7db-7a4e3b591dcb" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_StockholdersEquity"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_ca5e36ed-0b53-456f-b640-e3d8c4d767b4" xlink:to="loc_us-gaap_StockholdersEquity_7ada8e3a-58a1-4ef0-b7db-7a4e3b591dcb" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets_5be61bc6-fc64-4429-bd08-1b4570cb8c13" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_Assets"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Investments_8711bb76-584d-4ac6-a2de-6798b0fc571d" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_Investments"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_5be61bc6-fc64-4429-bd08-1b4570cb8c13" xlink:to="loc_us-gaap_Investments_8711bb76-584d-4ac6-a2de-6798b0fc571d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_9228fab9-0525-4096-a741-f87c138cb3cf" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_5be61bc6-fc64-4429-bd08-1b4570cb8c13" xlink:to="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_9228fab9-0525-4096-a741-f87c138cb3cf" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedCashAndCashEquivalents_1fad8585-abbb-4525-aaa7-dda2c68aaaf1" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_RestrictedCashAndCashEquivalents"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_5be61bc6-fc64-4429-bd08-1b4570cb8c13" xlink:to="loc_us-gaap_RestrictedCashAndCashEquivalents_1fad8585-abbb-4525-aaa7-dda2c68aaaf1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PrepaidReinsurancePremiums_315eb5b9-e153-46ff-a9d0-ac5063d5f77f" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_PrepaidReinsurancePremiums"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_5be61bc6-fc64-4429-bd08-1b4570cb8c13" xlink:to="loc_us-gaap_PrepaidReinsurancePremiums_315eb5b9-e153-46ff-a9d0-ac5063d5f77f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReinsuranceRecoverablesOnPaidAndUnpaidLosses_001148de-69e4-4d2c-96ce-a25685979bc0" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ReinsuranceRecoverablesOnPaidAndUnpaidLosses"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_5be61bc6-fc64-4429-bd08-1b4570cb8c13" xlink:to="loc_us-gaap_ReinsuranceRecoverablesOnPaidAndUnpaidLosses_001148de-69e4-4d2c-96ce-a25685979bc0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PremiumsReceivableAtCarryingValue_1c6d7178-8702-4f71-951b-392243369254" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_PremiumsReceivableAtCarryingValue"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_5be61bc6-fc64-4429-bd08-1b4570cb8c13" xlink:to="loc_us-gaap_PremiumsReceivableAtCarryingValue_1c6d7178-8702-4f71-951b-392243369254" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentNet_ecadef8a-d923-42e5-b191-cadc69957a89" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_PropertyPlantAndEquipmentNet"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_5be61bc6-fc64-4429-bd08-1b4570cb8c13" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentNet_ecadef8a-d923-42e5-b191-cadc69957a89" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredPolicyAcquisitionCosts_34625869-8f4e-4ff1-88ec-0e1672397a37" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DeferredPolicyAcquisitionCosts"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_5be61bc6-fc64-4429-bd08-1b4570cb8c13" xlink:to="loc_us-gaap_DeferredPolicyAcquisitionCosts_34625869-8f4e-4ff1-88ec-0e1672397a37" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxReceivable_667c9443-da89-413b-b0be-59fb6cd7f6c4" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_IncomeTaxReceivable"/>
    <link:calculationArc order="9" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_5be61bc6-fc64-4429-bd08-1b4570cb8c13" xlink:to="loc_us-gaap_IncomeTaxReceivable_667c9443-da89-413b-b0be-59fb6cd7f6c4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredIncomeTaxAssetsNet_3961b181-bb22-4025-b7ee-b641093c22ae" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DeferredIncomeTaxAssetsNet"/>
    <link:calculationArc order="10" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_5be61bc6-fc64-4429-bd08-1b4570cb8c13" xlink:to="loc_us-gaap_DeferredIncomeTaxAssetsNet_3961b181-bb22-4025-b7ee-b641093c22ae" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssets_39110ce7-9b37-4e04-b1fa-a73ec1a05d9d" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_OtherAssets"/>
    <link:calculationArc order="11" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_5be61bc6-fc64-4429-bd08-1b4570cb8c13" xlink:to="loc_us-gaap_OtherAssets_39110ce7-9b37-4e04-b1fa-a73ec1a05d9d" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/CONDENSEDCONSOLIDATEDSTATEMENTSOFINCOMEunaudited" xlink:type="simple" xlink:href="uve-20220930.xsd#CONDENSEDCONSOLIDATEDSTATEMENTSOFINCOMEunaudited"/>
  <link:calculationLink xlink:role="http://www.universalinsuranceholdings.com/role/CONDENSEDCONSOLIDATEDSTATEMENTSOFINCOMEunaudited" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PremiumsEarnedNet_3a785f40-f2e9-46c6-916a-56ae375c6cff" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_PremiumsEarnedNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DirectPremiumsEarned_07d61e4a-c3a7-4378-9c79-79f95abd2d43" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DirectPremiumsEarned"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_PremiumsEarnedNet_3a785f40-f2e9-46c6-916a-56ae375c6cff" xlink:to="loc_us-gaap_DirectPremiumsEarned_07d61e4a-c3a7-4378-9c79-79f95abd2d43" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CededPremiumsEarned_c248da9e-db25-42b0-8b54-04f547865f6d" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CededPremiumsEarned"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_PremiumsEarnedNet_3a785f40-f2e9-46c6-916a-56ae375c6cff" xlink:to="loc_us-gaap_CededPremiumsEarned_c248da9e-db25-42b0-8b54-04f547865f6d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_3158782a-a68a-4a55-8242-e6ad52ecac9c" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Revenues_4cc32574-b31d-49ac-bc12-ecbb2ff6a83a" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_Revenues"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_3158782a-a68a-4a55-8242-e6ad52ecac9c" xlink:to="loc_us-gaap_Revenues_4cc32574-b31d-49ac-bc12-ecbb2ff6a83a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BenefitsLossesAndExpenses_1accc5bc-9481-4985-a1a2-d8371aae728a" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_BenefitsLossesAndExpenses"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_3158782a-a68a-4a55-8242-e6ad52ecac9c" xlink:to="loc_us-gaap_BenefitsLossesAndExpenses_1accc5bc-9481-4985-a1a2-d8371aae728a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpense_e99e52fe-16e8-4fb7-a3d2-82bc11aaedb2" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_InterestExpense"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_3158782a-a68a-4a55-8242-e6ad52ecac9c" xlink:to="loc_us-gaap_InterestExpense_e99e52fe-16e8-4fb7-a3d2-82bc11aaedb2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BenefitsLossesAndExpenses_ed0a2a95-15ae-4d77-bc07-34c2a0344764" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_BenefitsLossesAndExpenses"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PolicyholderBenefitsAndClaimsIncurredNet_8aa1d6b1-1267-40ae-a6ad-15181fd36234" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_PolicyholderBenefitsAndClaimsIncurredNet"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_BenefitsLossesAndExpenses_ed0a2a95-15ae-4d77-bc07-34c2a0344764" xlink:to="loc_us-gaap_PolicyholderBenefitsAndClaimsIncurredNet_8aa1d6b1-1267-40ae-a6ad-15181fd36234" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SellingGeneralAndAdministrativeExpense_ffa814f1-6ad8-4c94-8500-fa546dcc4dd6" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_SellingGeneralAndAdministrativeExpense"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_BenefitsLossesAndExpenses_ed0a2a95-15ae-4d77-bc07-34c2a0344764" xlink:to="loc_us-gaap_SellingGeneralAndAdministrativeExpense_ffa814f1-6ad8-4c94-8500-fa546dcc4dd6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_fdc64049-3d91-4c1e-8fda-a624d0069850" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_NetIncomeLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_5b9abb2a-5035-4bae-a63e-cd6702026a2a" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLoss_fdc64049-3d91-4c1e-8fda-a624d0069850" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_5b9abb2a-5035-4bae-a63e-cd6702026a2a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_53f871ac-9c9e-4428-bda3-d161e042dbc8" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLoss_fdc64049-3d91-4c1e-8fda-a624d0069850" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_53f871ac-9c9e-4428-bda3-d161e042dbc8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Revenues_389ad525-90e5-4b3a-a852-e738de783b36" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_Revenues"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PremiumsEarnedNet_26015496-2082-4e9c-b26f-92f181b7d094" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_PremiumsEarnedNet"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_389ad525-90e5-4b3a-a852-e738de783b36" xlink:to="loc_us-gaap_PremiumsEarnedNet_26015496-2082-4e9c-b26f-92f181b7d094" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetInvestmentIncome_8a8e0798-00ec-4dac-a8be-38fbb87148b9" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_NetInvestmentIncome"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_389ad525-90e5-4b3a-a852-e738de783b36" xlink:to="loc_us-gaap_NetInvestmentIncome_8a8e0798-00ec-4dac-a8be-38fbb87148b9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtAndEquitySecuritiesRealizedGainLoss_d5002a1d-b047-472b-9b60-09f02ac7648e" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DebtAndEquitySecuritiesRealizedGainLoss"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_389ad525-90e5-4b3a-a852-e738de783b36" xlink:to="loc_us-gaap_DebtAndEquitySecuritiesRealizedGainLoss_d5002a1d-b047-472b-9b60-09f02ac7648e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesFvNiUnrealizedGainLoss_f8d3cfff-6346-408c-964e-9a64c0c314cf" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_EquitySecuritiesFvNiUnrealizedGainLoss"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_389ad525-90e5-4b3a-a852-e738de783b36" xlink:to="loc_us-gaap_EquitySecuritiesFvNiUnrealizedGainLoss_f8d3cfff-6346-408c-964e-9a64c0c314cf" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InsuranceCommissionsAndFees_8f82dcd7-83d5-4b06-ac71-fc40429ac9f6" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_InsuranceCommissionsAndFees"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_389ad525-90e5-4b3a-a852-e738de783b36" xlink:to="loc_us-gaap_InsuranceCommissionsAndFees_8f82dcd7-83d5-4b06-ac71-fc40429ac9f6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_uve_InsurancePolicyFeesRevenue_435bfff2-aec4-44ae-9304-037aa668a038" xlink:href="uve-20220930.xsd#uve_InsurancePolicyFeesRevenue"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_389ad525-90e5-4b3a-a852-e738de783b36" xlink:to="loc_uve_InsurancePolicyFeesRevenue_435bfff2-aec4-44ae-9304-037aa668a038" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherIncome_b387f8e2-00f2-4e83-9edd-5d3cd2f81b68" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_OtherIncome"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Revenues_389ad525-90e5-4b3a-a852-e738de783b36" xlink:to="loc_us-gaap_OtherIncome_b387f8e2-00f2-4e83-9edd-5d3cd2f81b68" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DirectPremiumsEarned_599ec8c1-d1c3-4cda-a026-3f8917f7590f" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DirectPremiumsEarned"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DirectPremiumsWritten_713a9178-3d9b-4e0a-87c9-358a1b029bd0" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DirectPremiumsWritten"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DirectPremiumsEarned_599ec8c1-d1c3-4cda-a026-3f8917f7590f" xlink:to="loc_us-gaap_DirectPremiumsWritten_713a9178-3d9b-4e0a-87c9-358a1b029bd0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInUnearnedPremiumsNet_bdcbc9c3-6f2d-44b4-85e2-08e679d1eb21" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_IncreaseDecreaseInUnearnedPremiumsNet"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_DirectPremiumsEarned_599ec8c1-d1c3-4cda-a026-3f8917f7590f" xlink:to="loc_us-gaap_IncreaseDecreaseInUnearnedPremiumsNet_bdcbc9c3-6f2d-44b4-85e2-08e679d1eb21" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/CONDENSEDCONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOMEunaudited" xlink:type="simple" xlink:href="uve-20220930.xsd#CONDENSEDCONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOMEunaudited"/>
  <link:calculationLink xlink:role="http://www.universalinsuranceholdings.com/role/CONDENSEDCONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOMEunaudited" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTax_dc3ee03b-81c4-4a90-ab5a-c08e0e5a0969" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ComprehensiveIncomeNetOfTax"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_5ffa3fc8-139f-4294-8687-ed8927a63a27" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_NetIncomeLoss"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTax_dc3ee03b-81c4-4a90-ab5a-c08e0e5a0969" xlink:to="loc_us-gaap_NetIncomeLoss_5ffa3fc8-139f-4294-8687-ed8927a63a27" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_ba209fb3-f85d-4d00-8d09-d0d00de9f754" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTax_dc3ee03b-81c4-4a90-ab5a-c08e0e5a0969" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_ba209fb3-f85d-4d00-8d09-d0d00de9f754" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/CONDENSEDCONSOLIDATEDSTATEMENTSOFCASHFLOWSunaudited" xlink:type="simple" xlink:href="uve-20220930.xsd#CONDENSEDCONSOLIDATEDSTATEMENTSOFCASHFLOWSunaudited"/>
  <link:calculationLink xlink:role="http://www.universalinsuranceholdings.com/role/CONDENSEDCONSOLIDATEDSTATEMENTSOFCASHFLOWSunaudited" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_0f174c3a-4715-459c-b3cd-2193d645954d" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_5392d56b-33ad-4c3f-8996-6f963764d7e9" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_0f174c3a-4715-459c-b3cd-2193d645954d" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_5392d56b-33ad-4c3f-8996-6f963764d7e9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_3d6e474e-d5e9-409a-ac1e-fda49547d4f2" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_0f174c3a-4715-459c-b3cd-2193d645954d" xlink:to="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_3d6e474e-d5e9-409a-ac1e-fda49547d4f2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_01de9969-5ef9-40b8-a557-4aa65f727a12" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_0f174c3a-4715-459c-b3cd-2193d645954d" xlink:to="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_01de9969-5ef9-40b8-a557-4aa65f727a12" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_b8571924-ca3b-4938-a56f-65e48bb37225" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_ede7147c-0f55-4837-ae7c-580562911af4" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_b8571924-ca3b-4938-a56f-65e48bb37225" xlink:to="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_ede7147c-0f55-4837-ae7c-580562911af4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedCashAndCashEquivalents_6d38e414-36cf-4233-b34a-f5ed2febbde0" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_RestrictedCashAndCashEquivalents"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_b8571924-ca3b-4938-a56f-65e48bb37225" xlink:to="loc_us-gaap_RestrictedCashAndCashEquivalents_6d38e414-36cf-4233-b34a-f5ed2febbde0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_018fd927-b53f-4dea-8e0f-db34fb0448b4" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfDebtIssuanceCosts_c99b0013-60bb-431c-a596-d6084b7b8817" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_PaymentsOfDebtIssuanceCosts"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_018fd927-b53f-4dea-8e0f-db34fb0448b4" xlink:to="loc_us-gaap_PaymentsOfDebtIssuanceCosts_c99b0013-60bb-431c-a596-d6084b7b8817" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock_c609230b-28f6-4f9d-829d-d2c3d1d8dc68" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_018fd927-b53f-4dea-8e0f-db34fb0448b4" xlink:to="loc_us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock_c609230b-28f6-4f9d-829d-d2c3d1d8dc68" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfDividendsCommonStock_76cfcb5a-1cf5-4f47-be82-eee80870531a" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_PaymentsOfDividendsCommonStock"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_018fd927-b53f-4dea-8e0f-db34fb0448b4" xlink:to="loc_us-gaap_PaymentsOfDividendsCommonStock_76cfcb5a-1cf5-4f47-be82-eee80870531a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_3488d0a0-cc97-4121-a343-33bc00b99d52" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock"/>
    <link:calculationArc order="4" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_018fd927-b53f-4dea-8e0f-db34fb0448b4" xlink:to="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_3488d0a0-cc97-4121-a343-33bc00b99d52" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation_d9e20b76-bc57-4b59-b1ec-492d39e72e38" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation"/>
    <link:calculationArc order="5" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_018fd927-b53f-4dea-8e0f-db34fb0448b4" xlink:to="loc_us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation_d9e20b76-bc57-4b59-b1ec-492d39e72e38" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RepaymentsOfDebt_d81e504f-7842-4b47-8a21-c4439128d872" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_RepaymentsOfDebt"/>
    <link:calculationArc order="6" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_018fd927-b53f-4dea-8e0f-db34fb0448b4" xlink:to="loc_us-gaap_RepaymentsOfDebt_d81e504f-7842-4b47-8a21-c4439128d872" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_de31cc36-4854-4a58-b03b-854a70e49d5d" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfOtherPropertyPlantAndEquipment_bc74bf9b-caee-49a7-a3bd-76802f7a0d2e" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ProceedsFromSaleOfOtherPropertyPlantAndEquipment"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_de31cc36-4854-4a58-b03b-854a70e49d5d" xlink:to="loc_us-gaap_ProceedsFromSaleOfOtherPropertyPlantAndEquipment_bc74bf9b-caee-49a7-a3bd-76802f7a0d2e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_e9d465a0-4b03-476f-8e3b-634fc0d16f1a" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_PaymentsToAcquirePropertyPlantAndEquipment"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_de31cc36-4854-4a58-b03b-854a70e49d5d" xlink:to="loc_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_e9d465a0-4b03-476f-8e3b-634fc0d16f1a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireEquitySecuritiesFvNi_db459e86-f8ef-4ebe-9d88-71fd603424f8" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_PaymentsToAcquireEquitySecuritiesFvNi"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_de31cc36-4854-4a58-b03b-854a70e49d5d" xlink:to="loc_us-gaap_PaymentsToAcquireEquitySecuritiesFvNi_db459e86-f8ef-4ebe-9d88-71fd603424f8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_9c1a8706-475e-48d9-b677-06971fd9ffa6" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt"/>
    <link:calculationArc order="4" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_de31cc36-4854-4a58-b03b-854a70e49d5d" xlink:to="loc_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt_9c1a8706-475e-48d9-b677-06971fd9ffa6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireRealEstateHeldForInvestment_353d9197-b286-4be8-8302-97168ba228ac" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_PaymentsToAcquireRealEstateHeldForInvestment"/>
    <link:calculationArc order="5" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_de31cc36-4854-4a58-b03b-854a70e49d5d" xlink:to="loc_us-gaap_PaymentsToAcquireRealEstateHeldForInvestment_353d9197-b286-4be8-8302-97168ba228ac" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfEquitySecuritiesFvNi_c306f188-7b43-4907-87a2-cbc533f6284b" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ProceedsFromSaleOfEquitySecuritiesFvNi"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_de31cc36-4854-4a58-b03b-854a70e49d5d" xlink:to="loc_us-gaap_ProceedsFromSaleOfEquitySecuritiesFvNi_c306f188-7b43-4907-87a2-cbc533f6284b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt_20efa914-9a82-49b1-927f-6ea826e98400" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_de31cc36-4854-4a58-b03b-854a70e49d5d" xlink:to="loc_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt_20efa914-9a82-49b1-927f-6ea826e98400" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfRealEstateHeldforinvestment_fb4a215d-bcf1-4e22-89bc-084272956169" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ProceedsFromSaleOfRealEstateHeldforinvestment"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_de31cc36-4854-4a58-b03b-854a70e49d5d" xlink:to="loc_us-gaap_ProceedsFromSaleOfRealEstateHeldforinvestment_fb4a215d-bcf1-4e22-89bc-084272956169" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSalesOfAssetsInvestingActivities_7c71a88d-e923-4ceb-85c0-7a7aea6f44a3" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ProceedsFromSalesOfAssetsInvestingActivities"/>
    <link:calculationArc order="9" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_de31cc36-4854-4a58-b03b-854a70e49d5d" xlink:to="loc_us-gaap_ProceedsFromSalesOfAssetsInvestingActivities_7c71a88d-e923-4ceb-85c0-7a7aea6f44a3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities_b54869b7-2eec-4258-902e-c5f80976db6b" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities"/>
    <link:calculationArc order="10" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_de31cc36-4854-4a58-b03b-854a70e49d5d" xlink:to="loc_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities_b54869b7-2eec-4258-902e-c5f80976db6b" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/InvestmentsAmortizedCostandFairValueofInvestmentsWithContractualMaturitiesDetail" xlink:type="simple" xlink:href="uve-20220930.xsd#InvestmentsAmortizedCostandFairValueofInvestmentsWithContractualMaturitiesDetail"/>
  <link:calculationLink xlink:role="http://www.universalinsuranceholdings.com/role/InvestmentsAmortizedCostandFairValueofInvestmentsWithContractualMaturitiesDetail" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_f919954c-3ba4-4edb-823c-be1dc518f2e8" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost_93840c7f-57bf-4913-b712-62a2bc4cbacc" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_f919954c-3ba4-4edb-823c-be1dc518f2e8" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost_93840c7f-57bf-4913-b712-62a2bc4cbacc" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_6b23429c-3920-446c-a853-4d13a4ac4724" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_f919954c-3ba4-4edb-823c-be1dc518f2e8" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost_6b23429c-3920-446c-a853-4d13a4ac4724" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost_4ea782c0-0d61-4ac9-ad2a-ebd6ab6b61e6" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_f919954c-3ba4-4edb-823c-be1dc518f2e8" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost_4ea782c0-0d61-4ac9-ad2a-ebd6ab6b61e6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost_6335af8a-0ee6-45dc-bdd3-b75a5905f027" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_f919954c-3ba4-4edb-823c-be1dc518f2e8" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost_6335af8a-0ee6-45dc-bdd3-b75a5905f027" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateAmortizedCost_b34549f8-7071-44ec-91a6-7c0a4c7e604a" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateAmortizedCost"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis_f919954c-3ba4-4edb-823c-be1dc518f2e8" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateAmortizedCost_b34549f8-7071-44ec-91a6-7c0a4c7e604a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_105d9eb0-3b65-43f6-9c4d-e4d745825b30" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue_161891b6-e40e-48a2-95a4-156d9a30c7ed" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_105d9eb0-3b65-43f6-9c4d-e4d745825b30" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue_161891b6-e40e-48a2-95a4-156d9a30c7ed" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_444faf44-6cb0-41e9-8f4d-487c6242b93d" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_105d9eb0-3b65-43f6-9c4d-e4d745825b30" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue_444faf44-6cb0-41e9-8f4d-487c6242b93d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_0b11bac2-753b-4106-a769-d5c5732b5b3c" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_105d9eb0-3b65-43f6-9c4d-e4d745825b30" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue_0b11bac2-753b-4106-a769-d5c5732b5b3c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue_9bcc5026-b486-4065-9c53-0752c1636aa9" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_105d9eb0-3b65-43f6-9c4d-e4d745825b30" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue_9bcc5026-b486-4065-9c53-0752c1636aa9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateFairValue_ef33ebd0-db8a-452b-b3e4-84578dcca467" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateFairValue"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_105d9eb0-3b65-43f6-9c4d-e4d745825b30" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithoutSingleMaturityDateFairValue_ef33ebd0-db8a-452b-b3e4-84578dcca467" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/InvestmentsInvestmentIncomeExpenseComprisedPrimarilyofInterestandDividendsDetail" xlink:type="simple" xlink:href="uve-20220930.xsd#InvestmentsInvestmentIncomeExpenseComprisedPrimarilyofInterestandDividendsDetail"/>
  <link:calculationLink xlink:role="http://www.universalinsuranceholdings.com/role/InvestmentsInvestmentIncomeExpenseComprisedPrimarilyofInterestandDividendsDetail" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetInvestmentIncome_f2c7d197-442d-446a-91a7-098940ffa846" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_NetInvestmentIncome"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GrossInvestmentIncomeOperating_fcd50da7-2eed-4323-9d93-b7df40895298" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_GrossInvestmentIncomeOperating"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetInvestmentIncome_f2c7d197-442d-446a-91a7-098940ffa846" xlink:to="loc_us-gaap_GrossInvestmentIncomeOperating_fcd50da7-2eed-4323-9d93-b7df40895298" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentIncomeInvestmentExpense_84a3d3dd-b34d-4945-ae2f-ba9dbd80f398" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_InvestmentIncomeInvestmentExpense"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetInvestmentIncome_f2c7d197-442d-446a-91a7-098940ffa846" xlink:to="loc_us-gaap_InvestmentIncomeInvestmentExpense_84a3d3dd-b34d-4945-ae2f-ba9dbd80f398" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/InvestmentsScheduleofRealEstateInvestmentDetail" xlink:type="simple" xlink:href="uve-20220930.xsd#InvestmentsScheduleofRealEstateInvestmentDetail"/>
  <link:calculationLink xlink:role="http://www.universalinsuranceholdings.com/role/InvestmentsScheduleofRealEstateInvestmentDetail" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RealEstateInvestmentPropertyNet_4aa36509-b8e7-4cef-a765-ad5cd62c3de7" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_RealEstateInvestmentPropertyNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RealEstateInvestmentPropertyAtCost_dacab122-d3e1-4c13-aeac-8aeb271d7a40" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_RealEstateInvestmentPropertyAtCost"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_RealEstateInvestmentPropertyNet_4aa36509-b8e7-4cef-a765-ad5cd62c3de7" xlink:to="loc_us-gaap_RealEstateInvestmentPropertyAtCost_dacab122-d3e1-4c13-aeac-8aeb271d7a40" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RealEstateInvestmentPropertyAccumulatedDepreciation_991edd67-859e-4165-9276-b2f222cc7fe1" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_RealEstateInvestmentPropertyAccumulatedDepreciation"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_RealEstateInvestmentPropertyNet_4aa36509-b8e7-4cef-a765-ad5cd62c3de7" xlink:to="loc_us-gaap_RealEstateInvestmentPropertyAccumulatedDepreciation_991edd67-859e-4165-9276-b2f222cc7fe1" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/ReinsuranceReinsuranceArrangementsDetail" xlink:type="simple" xlink:href="uve-20220930.xsd#ReinsuranceReinsuranceArrangementsDetail"/>
  <link:calculationLink xlink:role="http://www.universalinsuranceholdings.com/role/ReinsuranceReinsuranceArrangementsDetail" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PremiumsWrittenNet_0cc5449f-0c61-4271-ba11-a38e062aca79" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_PremiumsWrittenNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DirectPremiumsWritten_23b11b06-53fd-4dd2-959a-aa1be37e58da" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DirectPremiumsWritten"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_PremiumsWrittenNet_0cc5449f-0c61-4271-ba11-a38e062aca79" xlink:to="loc_us-gaap_DirectPremiumsWritten_23b11b06-53fd-4dd2-959a-aa1be37e58da" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CededPremiumsWritten_0915ac96-ed30-4f12-bf41-58e634dc46aa" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_CededPremiumsWritten"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_PremiumsWrittenNet_0cc5449f-0c61-4271-ba11-a38e062aca79" xlink:to="loc_us-gaap_CededPremiumsWritten_0915ac96-ed30-4f12-bf41-58e634dc46aa" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PolicyholderBenefitsAndClaimsIncurredNet_731fe549-c9f3-4afa-aec8-b494d79e2f89" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_PolicyholderBenefitsAndClaimsIncurredNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PolicyholderBenefitsAndClaimsIncurredGross_f747932f-88c9-47e7-a877-1b816cf57ec8" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_PolicyholderBenefitsAndClaimsIncurredGross"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_PolicyholderBenefitsAndClaimsIncurredNet_731fe549-c9f3-4afa-aec8-b494d79e2f89" xlink:to="loc_us-gaap_PolicyholderBenefitsAndClaimsIncurredGross_f747932f-88c9-47e7-a877-1b816cf57ec8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReinsuranceEffectOnClaimsAndBenefitsIncurredAmountCeded_11c01c3d-6abe-4ca1-96ce-b403d55b7ad0" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ReinsuranceEffectOnClaimsAndBenefitsIncurredAmountCeded"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_PolicyholderBenefitsAndClaimsIncurredNet_731fe549-c9f3-4afa-aec8-b494d79e2f89" xlink:to="loc_us-gaap_ReinsuranceEffectOnClaimsAndBenefitsIncurredAmountCeded_11c01c3d-6abe-4ca1-96ce-b403d55b7ad0" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/ReinsurancePrepaidReinsurancePremiumsPayableandReinsuranceRecoverableandReceivableDetail" xlink:type="simple" xlink:href="uve-20220930.xsd#ReinsurancePrepaidReinsurancePremiumsPayableandReinsuranceRecoverableandReceivableDetail"/>
  <link:calculationLink xlink:role="http://www.universalinsuranceholdings.com/role/ReinsurancePrepaidReinsurancePremiumsPayableandReinsuranceRecoverableandReceivableDetail" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReinsuranceRecoverables_10d2ccdd-d3e1-464c-aaaf-adeb8891c912" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ReinsuranceRecoverables"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReinsuranceRecoverablesOnPaidLosses_f34a6e55-e391-48f3-9071-a8cb3e619e1d" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ReinsuranceRecoverablesOnPaidLosses"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ReinsuranceRecoverables_10d2ccdd-d3e1-464c-aaaf-adeb8891c912" xlink:to="loc_us-gaap_ReinsuranceRecoverablesOnPaidLosses_f34a6e55-e391-48f3-9071-a8cb3e619e1d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReinsuranceRecoverableForUnpaidClaimsAndClaimsAdjustments_9e6bcbb6-c717-42fb-887e-a507e6e78f99" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ReinsuranceRecoverableForUnpaidClaimsAndClaimsAdjustments"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ReinsuranceRecoverables_10d2ccdd-d3e1-464c-aaaf-adeb8891c912" xlink:to="loc_us-gaap_ReinsuranceRecoverableForUnpaidClaimsAndClaimsAdjustments_9e6bcbb6-c717-42fb-887e-a507e6e78f99" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/LiabilityforUnpaidLossesandLossAdjustmentExpensesChangeinLiabilityforUnpaidLossesandLAEDetail" xlink:type="simple" xlink:href="uve-20220930.xsd#LiabilityforUnpaidLossesandLossAdjustmentExpensesChangeinLiabilityforUnpaidLossesandLAEDetail"/>
  <link:calculationLink xlink:role="http://www.universalinsuranceholdings.com/role/LiabilityforUnpaidLossesandLossAdjustmentExpensesChangeinLiabilityforUnpaidLossesandLAEDetail" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims1_d1d0afad-4a70-4f2b-91fd-51962945f033" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersCurrentYearClaimsAndClaimsAdjustmentExpense_2fbfb8b7-f2b3-4ac7-a55d-b1148c514e48" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersCurrentYearClaimsAndClaimsAdjustmentExpense"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims1_d1d0afad-4a70-4f2b-91fd-51962945f033" xlink:to="loc_us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersCurrentYearClaimsAndClaimsAdjustmentExpense_2fbfb8b7-f2b3-4ac7-a55d-b1148c514e48" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersPriorYearClaimsAndClaimsAdjustmentExpense_5606ebb7-f506-46e7-b271-0379c0213890" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersPriorYearClaimsAndClaimsAdjustmentExpense"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims1_d1d0afad-4a70-4f2b-91fd-51962945f033" xlink:to="loc_us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersPriorYearClaimsAndClaimsAdjustmentExpense_5606ebb7-f506-46e7-b271-0379c0213890" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNet_434fdff5-5547-416e-a07b-be76e14ed22e" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReinsuranceRecoverableForUnpaidClaimsAndClaimsAdjustments_21bc58e7-72b9-4714-9795-ab70a398477a" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ReinsuranceRecoverableForUnpaidClaimsAndClaimsAdjustments"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNet_434fdff5-5547-416e-a07b-be76e14ed22e" xlink:to="loc_us-gaap_ReinsuranceRecoverableForUnpaidClaimsAndClaimsAdjustments_21bc58e7-72b9-4714-9795-ab70a398477a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense_3d40ce30-e89a-41cf-862d-9bbdaecc3789" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNet_434fdff5-5547-416e-a07b-be76e14ed22e" xlink:to="loc_us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense_3d40ce30-e89a-41cf-862d-9bbdaecc3789" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForLossesAndLossAdjustmentExpense_8ecf2995-87a9-43f2-ae88-53248b6adf7c" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_PaymentsForLossesAndLossAdjustmentExpense"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidCurrentYear1_7ee68d6a-39c0-4392-b78c-b34f5a08e9c4" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidCurrentYear1"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_PaymentsForLossesAndLossAdjustmentExpense_8ecf2995-87a9-43f2-ae88-53248b6adf7c" xlink:to="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidCurrentYear1_7ee68d6a-39c0-4392-b78c-b34f5a08e9c4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidPriorYears1_e6e1fa91-5e54-47f4-970d-7ce1bc8773a5" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidPriorYears1"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_PaymentsForLossesAndLossAdjustmentExpense_8ecf2995-87a9-43f2-ae88-53248b6adf7c" xlink:to="loc_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidPriorYears1_e6e1fa91-5e54-47f4-970d-7ce1bc8773a5" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/LongtermDebtScheduleofLongTermDebtDetail" xlink:type="simple" xlink:href="uve-20220930.xsd#LongtermDebtScheduleofLongTermDebtDetail"/>
  <link:calculationLink xlink:role="http://www.universalinsuranceholdings.com/role/LongtermDebtScheduleofLongTermDebtDetail" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebt_a151c0a1-1c19-4441-b777-d92f73c90ed9" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_LongTermDebt"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentCarryingAmount_7ce1302a-7b3b-4f03-9574-77c5676b12b3" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DebtInstrumentCarryingAmount"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LongTermDebt_a151c0a1-1c19-4441-b777-d92f73c90ed9" xlink:to="loc_us-gaap_DebtInstrumentCarryingAmount_7ce1302a-7b3b-4f03-9574-77c5676b12b3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredFinanceCostsNet_09df526d-fa06-4ed3-82f3-7d0ccac16a8a" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_DeferredFinanceCostsNet"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LongTermDebt_a151c0a1-1c19-4441-b777-d92f73c90ed9" xlink:to="loc_us-gaap_DeferredFinanceCostsNet_09df526d-fa06-4ed3-82f3-7d0ccac16a8a" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/EarningsPerShareDetail" xlink:type="simple" xlink:href="uve-20220930.xsd#EarningsPerShareDetail"/>
  <link:calculationLink xlink:role="http://www.universalinsuranceholdings.com/role/EarningsPerShareDetail" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_6534c5c5-49ab-4b86-ab8c-af05cefddca8" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLoss_0ef9a73a-05f2-4957-8ab5-280649a0a35a" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_NetIncomeLoss"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_6534c5c5-49ab-4b86-ab8c-af05cefddca8" xlink:to="loc_us-gaap_NetIncomeLoss_0ef9a73a-05f2-4957-8ab5-280649a0a35a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockDividendsIncomeStatementImpact_5842202e-85c4-4255-a20f-349b33629dfd" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_PreferredStockDividendsIncomeStatementImpact"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_6534c5c5-49ab-4b86-ab8c-af05cefddca8" xlink:to="loc_us-gaap_PreferredStockDividendsIncomeStatementImpact_5842202e-85c4-4255-a20f-349b33629dfd" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_48478255-13d9-45ce-bda2-5ee2f3ca4056" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_6fb201f8-cd64-4bd5-8aa7-b368f16f2f4f" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_48478255-13d9-45ce-bda2-5ee2f3ca4056" xlink:to="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_6fb201f8-cd64-4bd5-8aa7-b368f16f2f4f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements_94dbe3f0-1ebf-4b2a-b04d-7b66369544f9" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_48478255-13d9-45ce-bda2-5ee2f3ca4056" xlink:to="loc_us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements_94dbe3f0-1ebf-4b2a-b04d-7b66369544f9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncrementalCommonSharesAttributableToConversionOfPreferredStock_e72cb359-95bf-4ea6-99d3-2163d98a083c" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_IncrementalCommonSharesAttributableToConversionOfPreferredStock"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_48478255-13d9-45ce-bda2-5ee2f3ca4056" xlink:to="loc_us-gaap_IncrementalCommonSharesAttributableToConversionOfPreferredStock_e72cb359-95bf-4ea6-99d3-2163d98a083c" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/OtherComprehensiveIncomeLossComponentsofOtherComprehensiveIncomelossPreTaxandAfterTaxDetail" xlink:type="simple" xlink:href="uve-20220930.xsd#OtherComprehensiveIncomeLossComponentsofOtherComprehensiveIncomelossPreTaxandAfterTaxDetail"/>
  <link:calculationLink xlink:role="http://www.universalinsuranceholdings.com/role/OtherComprehensiveIncomeLossComponentsofOtherComprehensiveIncomelossPreTaxandAfterTaxDetail" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_f7909a65-8951-424e-9eab-cf029211b932" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent_e1ed39bb-1556-4b27-8b20-ff029b204a2a" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_f7909a65-8951-424e-9eab-cf029211b932" xlink:to="loc_us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent_e1ed39bb-1556-4b27-8b20-ff029b204a2a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent_2a5a40e6-0075-4c71-b4f3-25cecf5080b7" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_f7909a65-8951-424e-9eab-cf029211b932" xlink:to="loc_us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent_2a5a40e6-0075-4c71-b4f3-25cecf5080b7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent_a0ab2e5f-43c6-4289-b05f-1ce76006e5cf" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OciBeforeReclassificationsBeforeTaxAttributableToParent_5ec4b2f7-6f70-4acb-b752-a3f48ee978ca" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_OciBeforeReclassificationsBeforeTaxAttributableToParent"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent_a0ab2e5f-43c6-4289-b05f-1ce76006e5cf" xlink:to="loc_us-gaap_OciBeforeReclassificationsBeforeTaxAttributableToParent_5ec4b2f7-6f70-4acb-b752-a3f48ee978ca" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationFromAociCurrentPeriodBeforeTaxAttributableToParent_6491709f-27cb-437b-a49a-affdddddf081" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ReclassificationFromAociCurrentPeriodBeforeTaxAttributableToParent"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent_a0ab2e5f-43c6-4289-b05f-1ce76006e5cf" xlink:to="loc_us-gaap_ReclassificationFromAociCurrentPeriodBeforeTaxAttributableToParent_6491709f-27cb-437b-a49a-affdddddf081" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent_d738ca6c-8b31-4bce-bb7b-2e0b5f575150" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OciBeforeReclassificationsBeforeTaxAttributableToParent_ae012639-7450-4cc7-9707-066914e15463" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_OciBeforeReclassificationsBeforeTaxAttributableToParent"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent_d738ca6c-8b31-4bce-bb7b-2e0b5f575150" xlink:to="loc_us-gaap_OciBeforeReclassificationsBeforeTaxAttributableToParent_ae012639-7450-4cc7-9707-066914e15463" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossBeforeReclassificationsTax_e13b1ee2-37ce-4ff2-a51d-2c5c87806696" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeReclassificationsTax"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OciBeforeReclassificationsNetOfTaxAttributableToParent_d738ca6c-8b31-4bce-bb7b-2e0b5f575150" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossBeforeReclassificationsTax_e13b1ee2-37ce-4ff2-a51d-2c5c87806696" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent_db408517-c55d-412d-844f-4e3cc36ba080" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationFromAociCurrentPeriodBeforeTaxAttributableToParent_fdaf28cd-13ec-4bc3-9939-a3b243c49a06" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ReclassificationFromAociCurrentPeriodBeforeTaxAttributableToParent"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent_db408517-c55d-412d-844f-4e3cc36ba080" xlink:to="loc_us-gaap_ReclassificationFromAociCurrentPeriodBeforeTaxAttributableToParent_fdaf28cd-13ec-4bc3-9939-a3b243c49a06" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationFromAociCurrentPeriodTax_c48605c0-57ed-45da-830a-0394435fe0f1" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ReclassificationFromAociCurrentPeriodTax"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent_db408517-c55d-412d-844f-4e3cc36ba080" xlink:to="loc_us-gaap_ReclassificationFromAociCurrentPeriodTax_c48605c0-57ed-45da-830a-0394435fe0f1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1_d3773d79-b903-4163-9c4d-b9282fc8eae6" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossBeforeReclassificationsTax_baa95e80-4606-489a-acc0-28c06e137172" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeReclassificationsTax"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1_d3773d79-b903-4163-9c4d-b9282fc8eae6" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossBeforeReclassificationsTax_baa95e80-4606-489a-acc0-28c06e137172" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationFromAociCurrentPeriodTax_45462434-ec63-47e7-85a4-537d2aa16d68" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_ReclassificationFromAociCurrentPeriodTax"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1_d3773d79-b903-4163-9c4d-b9282fc8eae6" xlink:to="loc_us-gaap_ReclassificationFromAociCurrentPeriodTax_45462434-ec63-47e7-85a4-537d2aa16d68" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/OtherComprehensiveIncomeLossComponentsofOtherComprehensiveIncomelossPreTaxandAfterTaxDetail_1" xlink:type="simple" xlink:href="uve-20220930.xsd#OtherComprehensiveIncomeLossComponentsofOtherComprehensiveIncomelossPreTaxandAfterTaxDetail_1"/>
  <link:calculationLink xlink:role="http://www.universalinsuranceholdings.com/role/OtherComprehensiveIncomeLossComponentsofOtherComprehensiveIncomelossPreTaxandAfterTaxDetail_1" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_8cc5e0ab-c109-4e83-a54a-bd6500e14f36" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent_dde81759-e2d0-454f-8f08-fd0de7e93878" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_8cc5e0ab-c109-4e83-a54a-bd6500e14f36" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent_dde81759-e2d0-454f-8f08-fd0de7e93878" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1_4ac95153-d1ae-4de8-8b67-af0c0bd95574" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent_8cc5e0ab-c109-4e83-a54a-bd6500e14f36" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossTaxPortionAttributableToParent1_4ac95153-d1ae-4de8-8b67-af0c0bd95574" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.universalinsuranceholdings.com/role/FairValueMeasurementsAssetsMeasuredforatFairValueonRecurringBasisDetail" xlink:type="simple" xlink:href="uve-20220930.xsd#FairValueMeasurementsAssetsMeasuredforatFairValueonRecurringBasisDetail"/>
  <link:calculationLink xlink:role="http://www.universalinsuranceholdings.com/role/FairValueMeasurementsAssetsMeasuredforatFairValueonRecurringBasisDetail" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosure_0f76a169-1947-45c1-a62c-a6dddd250b64" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AssetsFairValueDisclosure"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_c679ea23-5d28-4343-b151-7854bef36301" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_0f76a169-1947-45c1-a62c-a6dddd250b64" xlink:to="loc_us-gaap_AvailableForSaleSecuritiesDebtSecurities_c679ea23-5d28-4343-b151-7854bef36301" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesFvNi_9809ffd1-3376-4439-9959-6999a1b677fc" xlink:href="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd#us-gaap_EquitySecuritiesFvNi"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_0f76a169-1947-45c1-a62c-a6dddd250b64" xlink:to="loc_us-gaap_EquitySecuritiesFvNi_9809ffd1-3376-4439-9959-6999a1b677fc" xlink:type="arc"/>
  </link:calculationLink>
</link:linkbase>
